When comparing health insurance companies for Medicare Advantage, ACA Marketplace, or prescription drug coverage, Aetna and WellCare are two names that consistently top the list. While both are major players in the senior healthcare market, their offerings differ in plan flexibility, extra benefits, availability, and customer service.
In this guide, we break down Aetna vs WellCare across key areas to help you choose the best provider for your healthcare needs in 2025.
Company Overview
Aetna
Aetna, a subsidiary of CVS Health, is one of the nation’s largest and most trusted insurance providers. With a long-standing presence in the Medicare Advantage and Part D markets, Aetna also offers ACA plans in select states.
Key Highlights:
- Available in all 50 states
- 3.4+ million Medicare Advantage members
- Offers HMO, PPO, D-SNP, and C-SNP plans
- Integrated with CVS Health and MinuteClinic locations
WellCare
WellCare, part of Centene Corporation, focuses on Medicare and Medicaid members, offering robust plans in over 35 states. With a strong reputation in the low-cost, high-benefit market, WellCare is especially known for affordable Medicare Advantage and Part D plans.
Key Highlights:
- 1.3+ million Medicare Advantage members
- Available in 35+ states
- Offers HMO, PPO, and D-SNP plans
- Known for comprehensive dental and OTC benefits
Plan Availability & Types
| Feature | Aetna | WellCare |
| States Available (2025) | 50 states + D.C. | 35+ states |
| Medicare Advantage Plans | HMO, PPO, HMO-POS, D-SNP, C-SNP | HMO, PPO, D-SNP |
| Medicare Part D Plans | Yes (SilverScript brand) | Yes (WellCare-branded plans) |
| ACA Marketplace Plans | Yes (limited availability) | Yes (select states) |
| Medicaid Plans | Yes (via partnerships in some states) | Yes (extensive coverage through Centene) |
Verdict: Aetna wins for national reach, while WellCare stands out in low-cost Medicare and Medicaid markets.
Medicare Advantage: Aetna vs WellCare
| Feature | Aetna Medicare Advantage | WellCare Medicare Advantage |
| Prescription Drug Coverage (MAPD) | Included in most plans | Included in most plans |
| Dental, Vision, Hearing | Yes (varies by plan) | Yes (often more generous coverage) |
| OTC/Grocery Allowance | Yes (in most plans) | Yes (Flex Cards or prepaid cards) |
| Fitness Program | SilverSneakers® | SilverSneakers® |
| Telehealth | 24/7 virtual care + MinuteClinic access | 24/7 telehealth with select providers |
| Part B Giveback | Available in some ZIP codes | Available in many areas |
| CMS Star Ratings (2024) | 4.0 – 4.5 stars | 3.5 – 4.0 stars |
Verdict: Aetna offers more stable Star Ratings and broader provider access, while WellCare is competitive in benefits and affordability.
Medicare Part D (Prescription Drug Plans)
Aetna (SilverScript):
- Offers SilverScript SmartSaver and SilverScript Choice
- $0 copays for Tier 1 generics at preferred pharmacies
- Strong integration with CVS Pharmacy
WellCare:
- Offers Value Script, Classic, and Medicare Rx Saver
- Low-cost premiums and $0 copays for generics in many plans
- Broad pharmacy network, but not tied to a national chain
Verdict: Aetna is ideal for CVS users, while WellCare excels in pricing and broader affordability.
ACA Marketplace Plans (2025)
| Feature | Aetna ACA Plans | WellCare ACA Plans |
| Availability | Select states (e.g., FL, VA, TX) | Available in select states via Centene |
| Monthly Premiums | $0 – $400+ (with subsidies) | $0 – $350+ (with subsidies) |
| Deductibles | $1,000 – $7,500 | $1,200 – $7,000 |
| Virtual Care Access | 24/7 care included | 24/7 care included |
| Dental/Vision Add-ons | Available | Available |
Verdict: Both insurers are competitive in ACA pricing, with WellCare often offering lower premiums and Aetna offering better integration with pharmacies and clinics.
Provider Networks & Access
| Category | Aetna | WellCare |
| Primary Care Networks | Broad national network | Strong regional networks |
| Out-of-Network Options (PPO) | Yes, in many PPO plans | Limited out-of-network flexibility |
| Specialist Access | Typically does not require referral (PPO) | May require referrals (HMO) |
| Pharmacy Network | Includes CVS Pharmacy | Includes most major pharmacy chains |
Verdict: Aetna offers more provider flexibility, while WellCare offers strong access within defined regions.
Customer Satisfaction & Support
Aetna:
- Strong reputation for member support
- Integrated with CVS MinuteClinic and pharmacy systems
- Above-average CMS Star Ratings
- User-friendly app and portal
WellCare:
- Competitive support model
- Mixed customer service reviews in some states
- Easy-to-use portal and 24/7 telehealth
CMS Star Ratings (2024):
- Aetna: 4.0 – 4.5 stars
- WellCare: 3.5 – 4.0 stars
Pros and Cons
Aetna
Pros:
- Nationwide access
- High CMS Star Ratings
- Strong Medicare and Part D plans
- CVS integration for convenience
Cons:
- ACA plans not available in all states
- Some plans have higher premiums
WellCare
Pros:
- Affordable premiums and copays
- Competitive dental, OTC, and grocery benefits
- Good Medicare Part D value
- Expanding ACA presence
Cons:
- Limited Star Ratings in some states
- Smaller network reach than Aetna
Which Should You Choose?
Choose Aetna if:
- You want a trusted national brand
- You use CVS Pharmacy or MinuteClinic services
- You prefer high-rated Medicare Advantage plans
- You want PPO flexibility
Choose WellCare if:
- You want a low-cost plan with rich benefits
- You’re eligible for a Dual Eligible or Low-Income plan
- You want generous dental/OTC perks in your Medicare plan
Both Aetna and WellCare offer strong Medicare and ACA options for 2025. Aetna wins for nationwide access, provider flexibility, and CVS integration, while WellCare is ideal for those seeking affordable, benefit-rich plans with a local or regional focus.
Before enrolling:
- Compare plans in your ZIP code on Medicare.gov or Healthcare.gov
- Review Star Ratings, provider networks, and drug formularies
- Choose a plan that fits your health needs, budget, and care preferences